Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8181509
Complaint Overview
Complaint ID: 8181509
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Louisiana
ZIP Code: 70001
Date Received: 2024-01-15T12:00:00-05:00
Date Sent to Company: 2024-01-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to address a critical matter concerning the Fair Credit Reporting Act ( FCRA ) and the egregious violations committed by XXXX, XXXX XXXX, and XXXX XXXX. It is imperative that I bring to your attention the significant delay in resolving these issues, particularly in relation to my Experian credit report. Under 15 USC 1681 section 602, my right to privacy has been blatantly breached by these creditors. The gravity of this situation is further emphasized by 15 USC 1681 section 604a section 2, which explicitly outlines the imperative of safeguarding consumer privacy. Moreover, as per 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These creditors are in direct violation by reporting late payments without adhering to my written instructions under an open-end consumer credit plan. I express my disappointment in the lack of expedited attention to this issue specifically on my Experian report. I urgently request Experian to prioritize this dispute, conduct a thorough investigation, and promptly rectify my Experian credit report. Your immediate and decisive action in resolving this matter on my Experian report is both anticipated and appreciated.
Frequently Asked Questions
What is Complaint #8181509 about?
Complaint #8181509 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-01-15T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.